[justthinkhn]

>So, the current situation if you get scammed via Venmo/PayPal or other electronic payment methods is for the FBI / local law enforcement to subpoena the provider for records about the incident.

Imagine so confidently posting something so wrong. No, that’s not how it works in the US. Every credit card company (and PayPal-like company) has a massive anti-fraud department that both automatically detects fraud and responds to consumer complaints. If I see a charge I don’t recognize, or a seller fleeced me, I call my credit card company and they give me my money back and fine the shit out of the seller’s account unless the seller can prove to them that the charge is legitimate. Yes, ultimate recourse is to court, but very rarely is that necessary.